Privacy Policy

This Privacy Policy describes how Smartex Money ("we", "us", or "our") collects, uses, processes, and protects your personal data when you visit our website at smartex.money, use our platform, or interact with our services. We are committed to protecting your privacy and complying with the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable data protection laws.

This policy should be read alongside our Cookie Policy and Terms of Service. By using our services, you acknowledge that you have read and understood this Privacy Policy.

Data We Collect

Personal Data

Name, email address, phone number, company name, job title, and country — collected when you submit forms, request demos, or contact us. Used for communication, demo scheduling, and business relationship management.

Technical Data

IP address, browser type and version, device information, operating system, and referral URLs. Collected automatically when you visit our website. Used for security, analytics, and website optimization.

Usage Data

Pages visited, time spent on pages, click patterns, and navigation paths. Collected via analytics tools. Used to understand how visitors use our website and to improve user experience.

Form Data

Information you provide through our contact, demo request, and newsletter forms. Includes business type, license status, and request details. Used solely for the purpose of responding to your inquiry.

Communication Data

Records of your communications with us — emails, chat messages, and support tickets. Retained for service quality, dispute resolution, and legal compliance purposes.

Transaction Data

For customers using our platform: transaction records, account information, and financial data. Processed under separate contractual terms and governed by our platform-specific data processing agreements.

How We Use Your Data

Service Delivery

Processing demo requests, responding to inquiries, providing technical support, and delivering the services you have requested. We use your contact information to communicate with you about our services.

Website Improvement

Analyzing website usage patterns to improve navigation, content, and functionality. A/B testing, user experience research, and performance optimization based on aggregated and anonymized data.

Security & Fraud Prevention

Protecting our website and services from fraud, abuse, and security threats. Monitoring for suspicious activity, preventing unauthorized access, and maintaining audit trails for security investigations.

Legal Compliance

Complying with legal obligations, including tax records, audit requirements, and regulatory disclosures. Retaining data as required by applicable laws and regulations. Cooperating with law enforcement when legally required.

Marketing

Sending newsletters, product updates, and promotional materials — only with your explicit consent. You can unsubscribe at any time using the link in our emails or by contacting us directly.

Operational Needs

Internal business operations — accounting, IT management, customer relationship management, and business planning. Data is aggregated and anonymized where possible for reporting and analysis purposes.

Legal Basis for Processing (GDPR)

Under the GDPR, we process your personal data on the following legal bases:

Consent

You have given clear consent for us to process your personal data for a specific purpose — such as marketing communications or newsletter subscriptions. You can withdraw consent at any time.

Contract

Processing is necessary for the performance of a contract with you — such as providing services you have requested, processing payments, and fulfilling contractual obligations.

Legal Obligation

Processing is necessary to comply with a legal obligation — such as tax records, regulatory reporting, anti-money laundering checks, and data retention requirements.

Your Rights

Under GDPR, CCPA, and other data protection laws, you have the following rights regarding your personal data:

Access

Request a copy of the personal data we hold about you. We will provide your data in a structured, commonly used, machine-readable format within 30 days.

Rectification

Request correction of inaccurate or incomplete personal data. We will update your information promptly and notify third parties if we have shared the data.

Erasure

Request deletion of your personal data — the "right to be forgotten." We will erase your data unless retention is required by law or for legitimate business purposes.

Restriction

Request restriction of processing when you contest the accuracy of data, or while we verify a data breach claim, or if processing is unlawful.

Portability

Receive your personal data in a portable format and transmit it to another service provider. We will provide your data in a structured, machine-readable format.

Objection

Object to processing based on legitimate interests or for direct marketing. We will stop processing unless we have compelling legitimate grounds or legal obligations.

Data Security & Retention

Security Measures

We implement industry-standard security measures — TLS encryption in transit, AES-256 encryption at rest, firewalls, access controls, and regular security audits. Sensitive data is tokenized and stored in encrypted databases with HSM-backed key management.

Data Retention

We retain personal data only as long as necessary for the purposes described in this policy or as required by law. Marketing data is retained until you unsubscribe. Transaction data is retained per regulatory requirements (typically 5-7 years).

Contact Us

To exercise your rights, report a privacy concern, or ask questions about this Privacy Policy, contact our Data Protection Officer:

Email: smartex@paymart.eu
Website: smartex.money